San Mateo County EDPAP (Employee Down Payment Assistance Program)
Deferred second loan · New construction · Income limits
Down payment assistance · San Mateo County
Buying a home in Half Moon Bay, CA
1 county program and 54 statewide.Half Moon Bay has no program of its own, 1 across San Mateo County, and 54 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
Find my programs Free · No credit pull · 90 seconds
What’s local to Half Moon Bay
No program of Half Moon Bay’s own yet
No program run for Half Moon Bay alone is listed. A home in Half Moon Bay can use San Mateo County’s programs below, plus the California statewide and federal ones.
The closest city that runs its own program is San Mateo, about 9 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in San MateoAnywhere in San Mateo County
1 county program1 county program a Half Moon Bay homebuyer can use
2 more programs are for homes in San Mateo and South San Francisco. See them 2 programs in neighboring cities — for homes inside those cities, not Half Moon Bay
- San Mateo — City of San Mateo Down Payment Assistance Loan Program
- South San Francisco — City of South San Francisco Down Payment Assistance
The Half Moon Bay marketThe Half Moon Bay housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Half Moon Bay
- 68.3% single-familysingle-family
- 11.3% townhousetownhouse
- 6% 2–4 units2–4 units
- 9.4% 5+ unitscondo & apartment buildings (5+ units)
- 5% mobile & othermobile home & other
Condos count. Half Moon Bay’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Half Moon Bay’s homes were built
pre-19401970s2020+
51.8%
of Half Moon Bay homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$200,800
County area median income, 4 people (HUD)HUD area median income, San Mateo County, 4-person household (2026)
$157,884
Half Moon Bay median household incomeMedian household income in Half Moon Bay (Census, 2024)
50 of the 117 programs here set their income limit as a share of San Mateo County’s area median income, adjusted for household size. See the published limits for San Mateo County
Free help nearbyFree help near Half Moon Bay
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Half Moon Bay’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.San Mateo County EDPAP (Employee Down Payment Assistance Program) asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across California and nationwide
116 statewide & federal programs54 statewide programs, plus federal options
Half Moon Bay questions
Does Half Moon Bay have its own down payment program?
No program run for Half Moon Bay alone is listed. A home in Half Moon Bay can use the 1 program that cover San Mateo County and the 54 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Half Moon Bay?
Half Moon Bay’s one local program accepts condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in San Mateo County?
Each program sets its own. 50 of the programs here set theirs as a share of HUD’s area median income for San Mateo County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Half Moon Bay?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
94019
Nearby in San Mateo
Sources
Sources: agency sites (June–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.